Help with Hit and Run Third-Party Claim
I need some advice regarding a hit-and-run situation I was involved in. Here’s the background: I was intoxicated and had a sober friend drive my car home when we were struck by a reckless drunk driver. This incident took place just 40 feet from his house, and when the police arrived, he ran inside, leaving his car parked outside.
The police classified the incident as a hit-and-run since he abandoned the scene due to his intoxication. Luckily, I managed to capture a picture of his license plate and have about 20 minutes of evidence because he lingered for a while before fleeing. He never provided his insurance information, but armed with the VIN and license plate, along with information from his girlfriend indicating he had Progressive insurance, I was able to file a third-party claim.
Does anyone have insights on how a third-party claim works in this scenario, especially since it has been recorded as a hit-and-run? I believe I have a lot of evidence to support my case, given that he stayed for 20 minutes. Any guidance would be greatly appreciated!
It sounds like you have a challenging situation, but it seems like you’re taking the right steps by gathering evidence and filing a claim. Here are a few pieces of advice for navigating a third-party claim in this context:
Document Everything: Make sure you have a copy of the police report, photographs of the damage, and any witness statements. The fact that you have evidence of the driver being at the scene for 20 minutes is crucial.
Contact the Insurance Company: Reach out to the at-fault driver’s insurance company with your claim details. Provide them with all the evidence you’ve collected, including the police report and details about the driver’s behavior.
Explain the Situation Thoroughly: Clearly explain the circumstances surrounding the accident and why it is being recorded as a hit-and-run. Emphasize that the driver was present for a significant amount of time before leaving the scene.
Follow Up Regularly: Keep in regular contact with the insurance company to check on the progress of your claim. Be proactive in providing any additional information they may request.
Consider Legal Guidance: Depending on how the insurance company responds, it may be beneficial to consult with a personal injury or insurance attorney. They can help you understand your rights and may assist in negotiating your claim.
Be Prepared for Possible Challenges: The insurance company may initially resist acknowledging the claim due to the hit-and-run designation. Stay persistent and provide them with your evidence to support your case.
Explore Your Own Coverage: If you have comprehensive or collision coverage, consider contacting your own insurer for advice and to explore any possible coverage under your own policy for the damage.
Stay Organized: Keep detailed records of all communications with the insurance company, police, and any other relevant parties. This will help track the progress of your claim and provide a reference if any disputes arise.
It’s good to see that you’re being proactive about this situation. Make sure to utilize all the evidence you have gathered, and don’t hesitate to seek professional support if needed. Good luck!